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POSTED BY ON July 29, 2014 10:03 am COMMENTS (8)
Dear Team,
I am going to take term plan. Actually, what my query is – I was smoking very rarely (means 3 months once) till 2013. Now I stopped smoking since 8 months. Now i don’t understand which category will i go? Now i think that i can go as non smoker. Is it right?
Please suggest me
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@Goru.Ravindra.
They do tests to detect nicotine (or its metabolite cotinine) in ur urine. And i guess they do this even if u declare ursef as non-smoker. As per my knowledge its based on the result of this test that they approve u as smoker or non-smoker.
For long term smokers, it takes weeks to become their urine nicotine/cotinie free.
Considering the time span u provided u might fall in the non-smoker category based on the tests, as they can be negative in ur case.
This is my understanding abt this. U may ask for advises from other sources too and then only decide
Thank you so much sir for your valuable information
Welcome.!
Let us know the results/outcome too. Thnx
Dear Goru.Ravindra.
The advise that i received from financial advisers is that, Let the test result be positive or negative but its always better to disclose he matter that u were a smoker. And even if they increase ur premium, take that as a advantage. Because later during claim, they can deny the claim stating that u failed to dislcose these matters.
———
Kindly let us know how did u proceed and what was the result
I believe you will fall under SMOKER category. It depends on the insurer too. Check with the insurance company and tell them that you smoked 8 months back. They will let you know the category in which you fall under. Some insurer will put you under non-smoker and some under smoker category. Do check with the insurer before opting one. Also, never hide any information from them. Since you were a smoker 8 months back, you must tell them that you did and let the insurer decide the category.
Thanks for your quick reply. Can you suggest me those companies which will consider me as non smoker.
Thank you
I would suggest get a medical check to find any traces of nicotine in your system and then approach insurer as smoker/non-smoker.
Don’t hide the facts.
Thank you so much sir for your valuable information